Winter is in full swing in most parts of the United States. This means that cold weather is creating havoc for many homeowners. Homeowner’s insurance is designed to protect your home and family form many different kinds of losses. Many losses are due to rapid changes in temperature, wind, rain and snow.

Frozen Pipes

While frozen pipe damage may not be common to all areas, it can be costly. The average frozen pipe claim cost is $14,000. To help reduce the risk of frozen pipes, homeowners should wrap all exposed pipes, caulk around any areas where cold wind might enter the home, use either heater tapes wrapped around the pipes or a heated reflector lamp in dry enclosed spaces, insulate and heat the drain lines in crawl spaces, and always disconnect the water hose from all outdoor spigots.

Falling Trees

Falling Trees cause an average of $6,000 per loss, according to industry experts. Trees will collapse under the weight of ice or snow. Heavy winds are also a cause of tree damage. We recommend trimming trees around homes to make sure they can withstand winter’s wrath. Check for decay and fungus around the trunk, as this can lead to weaker trees.

Water Damage To Roofs

It rains everywhere, and rain damage to roofs cause an average of $5,000 per claim to the average homeowner. The weight of ice and snow can also cause the roof to collapse. Inspect the roof and structure for damage. Keep moss off your roof, and be aware of any buildup of ice or snow.

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